drawing up the insurance contracts by insurance companies has led to disregard policyholder's rights. this means that insurers by inserting unfair terms in insurance contracts seek to make a contract that they gain special privileges for themselves. jurists as main opponents of injustice regard commitment not to insert unfair terms as one of the insurer's pre-contractual obligations i...

In 5 experiments, we studied precautionary decisions in which participants decided whether or not to buy insurance with specified cost against an undesirable event with specified probability and cost. We compared the risks taken for precautionary decisions with those taken for equivalent monetary gambles. Fitting these data to Tversky and Kahneman's (1992) prospect theory, we found that the wei...

BACKGROUND Inequity in use of physician services has been detected even within health care systems with universal coverage of the population through public insurance schemes. In this study we analyse and compare inequity in use of physician visits (GP and specialists) in Norway based on data from the Surveys of Living Conditions for the years 2000, 2002 and 2005. A patient list system was intro...

Globally, Healthcare is recognized as a human right, either directly, or part of the broader right to life. Therefore, healthcare systems most countries strive ensure universal access healthcare. The Public system India has undergone multiple reforms achieve this. recent development was Ayushman Bharat and National Health Policy 2017, which sought prioritize Universal Coverage. Most research in...

Many individuals with disabilities and/or chronic conditions (da/cc) experience symptoms that may require intermittent or on-going medical care. However, healthcare is an often-overlooked domain for accessibility work, where access needs associated temporary and long-term disability must be addressed to increase the utility of physical digital interactions workers spaces. Our work focuses on a ...

background & aim :facilitating people’s access to necessary health services is one of the most important strategies to reach social justice within countries’ health system. therefore in-time access to health cares and ensuring desirable results are essential. this study was conducted to evaluate the perception of martyrs’ parents of accessing the services of health monitoring plan. materials an...

BACKGROUND The public health response to the threat of pandemic influenza A (H1N1) virus during the 2009-2010 influenza season was extensive. To better understand the lower than expected vaccine uptake, we aimed to characterize correlates of 2009 H1N1 vaccination among adolescent females in the U.S. and examine accessibility of the vaccine to parents. METHODS We collected data from a national...

one of the most challenging problems in our country insurance industry is the phenomenon of increase of loss pay average time by insurance companies. a lot of research and analysis have been conducted on both the roots and possible solutions for this problem, none of which has had success in annihilating it. this paper presents a discrete model ) nonlinear mathematical model ( of insurance serv...

moral hazards are the result of an expansive range of factors mostly originating in the patients’ roles. the objective of the present study was to investigate patient incentives for moral hazards using the experiences of experts of basic iranian insurance organizations. this was a qualitative research. data were collected through semi-structured interviews. the study population included all exp...

insurance industry is one of the effective factors of developing sustainable agriculture. natural resources that are more pone to influence than other phenomenon such as: drought, there are limited areas under insurance. from 86.4 million hectares of country ranges, there are nearly 3 million hectares under insurance. semnan province are compared to other areas has more range insured. therefore...